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Holden Helps

For Realtors · Tampa Bay

Your Client.
My Mortgage Expertise.
Let’s Make It Work!

Not every transaction fits neatly into a traditional mortgage program.

I help Realtors explore financing solutions for buyers, properties and situations that require a different approach.

Let’s Talk Through a Scenario

How I help Realtors

A second set of eyes on the financing.

  • Complex mortgage scenarios

    Talking through files that don't fit a standard program, before your client is under contract.

  • Non-warrantable condominiums

    Exploring options when a condo project doesn't meet conventional guidelines.

  • Self-employed borrowers

    Looking at alternative ways to document income, such as bank statements.

  • Reverse mortgages for purchase

    Helping eligible buyers 62 and older understand HECM for Purchase.

  • Investment property financing

    Discussing rental and investment purchases, including DSCR programs.

  • Alternative documentation programs

    Non-QM options, including asset depletion, when traditional documentation isn't the best fit.

  • Structuring financing options

    Comparing approaches so your client can make an informed decision.

  • Communication throughout

    Keeping you and your client informed from first conversation to closing.

Not every scenario can be approved. When a file won't work, I'll tell you plainly and early.

The Holden approach

Relationships first. Then the loan.

  1. Understand the situation.

    Every borrower is different. I start by learning your client's goals, finances and the property.

  2. Explore appropriate options.

    Then I look at which lending programs may realistically fit, traditional or alternative.

  3. Explain clearly.

    Plain-language explanations for your client, and for you.

  4. Communicate proactively.

    You hear from me with updates, not after you've had to chase them.

  5. Flag considerations early.

    Talking financing early in a transaction helps everyone plan around potential issues.

Mortgage solutions for Realtors

Situations you may run into.

  • Non-Warrantable Condo Financing

    What makes a condo non-warrantable and how alternative programs may help.

  • HECM for Purchase

    How eligible buyers 62 and older may buy a home with an FHA-insured reverse mortgage.

  • Reverse Mortgages

    The basics of FHA-insured HECMs and proprietary reverse mortgages.

  • Reverse Mortgage Second Liens

    A proprietary option that may keep an existing first mortgage in place.

  • Bank Statement Mortgages

    How some lenders evaluate deposits for self-employed borrowers.

  • Asset Depletion Mortgages

    How some programs consider documented assets when evaluating a borrower.

  • Non-QM Financing

    An overview of non-traditional documentation programs.

  • DSCR Investor Loans

    How rental income compared to housing expenses may support financing.

The publication for Realtors

Agent Matters.

Real estate insights, mortgage strategies and practical information for agents navigating today's market.

Visit Agent Matters

Have a Scenario? Let's Talk.

Holden Kellerhals, Mortgage Broker · NEXA Lending · NMLS #2646551

Let’s Talk Through a Scenario